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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,328 | $80,983-3.3% | $96,544-18.9% | $75,177+4.2% |
| Participation rate | 69.2% | 71.8%-2.6pp | 76.0%-6.8pp | 67.2%+2.0pp |
| Annual return | 19.21% | 27.05%-7.8pp | 25.88%-6.7pp | 160.75%-141.5pp |
| Employer contribution / active EE | $1,810 | $2,282-20.7% | $2,966-39.0% | $2,671-32.2% |
| Participant deferral / active EE | $3,687 | $3,929-6.2% | $4,851-24.0% | $4,126-10.7% |
| Admin fee / account holder | $2,014 | $6,717-70.0% | $8,254-75.6% | $5,651-64.4% |